Capital City Bank in Georgia vs the state
30.4%Denial rate+11.19 pts vs state
30.9%Decision denial rate+5.82 pts vs state
61.3%Origination rate+7.25 pts vs state
6.99%Median rate+0.37 pts vs state
-0.25Rate spread (pts)-0.52 pts vs state
$149kMedian applicant income
119Loans originated
59Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 203 | 145 | 22.2% | 5.99% | #224 |
| 2024 | 181 | 130 | 25.4% | 6.99% | #247 |
| 2025 | 194 | 119 | 30.4% | 6.99% | #253 |
What Capital City Bank lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most Capital City Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Bibb County | 32 | 23 | 7 | 21.9% |
| Fulton County | 21 | 13 | 7 | 33.3% |
| Forsyth County | 17 | 10 | 6 | 35.3% |
| Cobb County | 16 | 10 | 4 | 25.0% |
| Grady County | 15 | 7 | 6 | 40.0% |
| Gwinnett County | 10 | 7 | 2 | 20.0% |
| Laurens County | 10 | 6 | 4 | 40.0% |
| Houston County | 7 | 6 | 1 | 14.3% |
| Cherokee County | 6 | 5 | 0 | 0.0% |
| Coweta County | 6 | 4 | 2 | 33.3% |
Other large lenders in Georgia
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 29,845 | 18.2% | 6.63% |
| United Shore Financial Services | B | 23,784 | 12.6% | 6.25% |
| Navy Federal Credit Union | D | 12,388 | 26.4% | 7.95% |
| Truist Bank | C | 10,563 | 38.7% | 6.49% |
| Pennymac Loan Services | C | 10,273 | 11.6% | 6.49% |
| Broker Solutions | D | 9,709 | 8.6% | 6.63% |
| Mortgage Research Center | C | 9,443 | 19.8% | 6.25% |
| Freedom Mortgage | B | 9,293 | 9.1% | 6.25% |
| Bank of America | F | 9,168 | 36.5% | 6.24% |
| Ameris Bank | B | 8,065 | 10.1% | 6.50% |
Frequently asked questions
Georgia: 194 applications in 2025, of which 119 were originated and 59 denied.
30.4% of all applications, or 30.9% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans Capital City Bank originated in Georgia in 2025 was 6.99%, against a statewide median of 6.63%.
About this data. Figures are Capital City Bank's own HMDA filing for properties located in Georgia, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology